Business Description
Enova International Inc
NAICS : 522299
SIC : 6141
ISIN : US29357K1034
Total Employee Number:
1,836Compare
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Traded in other countries / regions
ENVA.USA27E.Germany Index Membership
Russell 2000Russell 3000 IPO Date
2014-10-30Description
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.02 | |||||
Equity-to-Asset | 0.2 | |||||
Debt-to-Equity | 3.47 | |||||
Debt-to-EBITDA | 10.37 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 2.79 | |||||
Beneish M-Score | -3.41 | |||||
WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 31.4 | |||||
3-Year EBITDA Growth Rate | 22.5 | |||||
3-Year EPS without NRI Growth Rate | 23.9 | |||||
3-Year FCF Growth Rate | 37.6 | |||||
3-Year Book Growth Rate | 12.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 26.32 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 20.36 |
Momentum Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 71.5 | |||||
9-Day RSI | 79.69 | |||||
14-Day RSI | 79.88 | |||||
3-1 Month Momentum % | 19.5 | |||||
6-1 Month Momentum % | 0.99 | |||||
12-1 Month Momentum % | 41.67 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 15.55 | |||||
Quick Ratio | 15.55 | |||||
Cash Ratio | 0.23 | |||||
Days Payable | 47.59 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | 7.5 | |||||
Shareholder Yield % | -12.51 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 48.16 | |||||
Operating Margin % | 13.06 | |||||
Net Margin % | 9.95 | |||||
EBITDA Margin % | 14.3 | |||||
FCF Margin % | 56.61 | |||||
OCF Margin % | 57.98 | |||||
ROE % | 25.32 | |||||
ROA % | 5.35 | |||||
ROIC % | 5.72 | |||||
3-Year ROIIC % | 4.14 | |||||
ROC (Joel Greenblatt) % | 227.02 | |||||
ROCE % | 7.4 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 19.04 | |||||
Forward PE Ratio | 14.3 | |||||
PE Ratio without NRI | 16.9 | |||||
Shiller PE Ratio | 36.32 | |||||
Price-to-Owner-Earnings | 13.06 | |||||
PEG Ratio | 1.58 | |||||
PS Ratio | 1.9 | |||||
PB Ratio | 4.18 | |||||
Price-to-Tangible-Book | 5.23 | |||||
Price-to-Free-Cash-Flow | 3.35 | |||||
Price-to-Operating-Cash-Flow | 3.27 | |||||
EV-to-EBIT | 24.79 | |||||
EV-to-Forward-EBIT | 9.11 | |||||
EV-to-EBITDA | 22.64 | |||||
EV-to-Forward-EBITDA | 8.61 | |||||
EV-to-Revenue | 3.24 | |||||
EV-to-Forward-Revenue | 2.84 | |||||
EV-to-FCF | 5.72 | |||||
Price-to-GF-Value | 1.79 | |||||
Price-to-Projected-FCF | 0.36 | |||||
Price-to-DCF (Earnings Based) | 0.54 | |||||
Price-to-DCF (FCF Based) | 0.11 | |||||
Price-to-Median-PS-Value | 2.16 | |||||
Price-to-Peter-Lynch-Fair-Value | 1.82 | |||||
Price-to-Graham-Number | 1.98 | |||||
| Price-to-Net-Current-Asset-Value | 6.28 | |||||
Earnings Yield (Greenblatt) % | 4.03 | |||||
FCF Yield % | 31.74 | |||||
Forward Rate of Return (Yacktman) % | 26.25 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
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Annualized Return % Â
Total Annual Return % Â
Enova International Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 3,281.254 | ||
| EPS (TTM) ($) | 12.35 | ||
| Beta | 1.6427 | ||
| 3-Year Sharpe Ratio | 1.03 | ||
| 3-Year Sortino Ratio | 2.38 | ||
| Volatility % | 60.97 | ||
| 14-Day RSI | 79.88 | ||
| 14-Day ATR ($) | 7.905164 | ||
| 20-Day SMA ($) | 203.389 | ||
| 12-1 Month Momentum % | 41.67 | ||
| 52-Week Range ($) | 99.61 - 246.38 | ||
| Shares Outstanding (Mil) | 24.88 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Enova International Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Enova International Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-23 17:00 | In 113 days | ||
| Third quarter earnings results for 2026 | 2026-10-23 | In 112 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-24 17:00 | In 22 days | ||
| Second quarter earnings results for 2026 | 2026-07-24 | In 21 days | ||
| Needham Technology, Media, & Consumer Conference | 2026-05-14 13:30 | 163.24 (-1.89%) | ||
| General meeting for 2026 | 2026-05-13 09:00 | 166.88 (-1.00%) | ||
| First quarter earnings conference call for 2026 | 2026-04-23 17:00 | 168.06 (+2.11%) | ||
| First quarter earnings results for 2026 | 2026-04-23 | 168.06 (+2.11%) | ||
| Annual report for 2025 | 2026-02-20 | 145.03 (-1.85%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-01-27 17:00 | 158.55 (-0.08%) |
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Enova International Inc Frequently Asked Questions
What is Enova International Inc(ENVA)'s stock price today?
The current price of ENVA is $235.19. The 52 week high of ENVA is $246.38 and 52 week low is $99.61.
When is next earnings date of Enova International Inc(ENVA)?
The next earnings date of Enova International Inc(ENVA) is 2026-07-24 Est..
Does Enova International Inc(ENVA) pay dividends? If so, how much?
Enova International Inc(ENVA) does not pay dividend.
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